Home > A J Smith Federal Savings Bank > Performance and Condition Ratios
A J Smith Federal Savings Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9746% | 5,242 |
| Cost of funding earning assets | 0.3854% | 4,077 |
| Net interest margin | 2.5892% | 5,161 |
| Noninterest income to average assets | 0.2674% | 4,321 |
| Noninterest expense to average assets | 2.1654% | 4,414 |
| Loan and lease loss provision to assets | -0.0769% | 5,240 |
| Net operating income to assets | 0.4192% | 4,829 |
| Return on assets (ROA) | 0.4192% | 4,823 |
| Pretax return on assets | 0.5497% | 4,722 |
| Return on Equity (ROE) | 2.7862% | 4,939 |
| Retained earnings to average equity (ytd only) | -6.0308% | 5,268 |
| Net charge-offs to loans | -0.0172% | 4,651 |
| Credit loss provision to net charge-offs | 852.9412% | 421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0796% | 799 |
| Assets per employee ($millions) | 5.1866% | 2,278 |
| Cash dividends to net income (ytd only)* | 316.4557% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 4,800 |
| Loan loss allowance to noncurrent loans | 59.6878% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 2,121 |
| Noncurrent loans to loans | 1.1774% | 1,369 |
| Net loans and leases to total assets | 50.5941% | 4,486 |
| Net loans and leases to deposits | 60.5591% | 4,452 |
| Net loans and leases to core deposits | 62.0136% | 4,539 |
| Total domestic deposits to total assets | 83.5450% | 3,143 |
| Equity capital to assets | 15.0487% | 701 |
| Core capital (leverage) ratio | 14.8101% | 730 |
| Tier 1 risk-based capital ratio | 33.5072% | 352 |
| Total risk-based capital ratio | 34.3222% | 357 |
| Memoranda: | ||
| Average total assets | $188,466,200 | 2,977 |
| Average earning assets | $172,562,800 | 2,997 |
| Average equity | $28,354,400 | 2,438 |
| Average total loans | $98,986,200 | 3,321 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9391% | 5,313 |
| Cost of funding earning assets | 0.3734% | 4,027 |
| Net interest margin | 2.5657% | 5,238 |
| Noninterest income to average assets | 0.2566% | 4,439 |
| Noninterest expense to average assets | 2.1577% | 4,411 |
| Loan and lease loss provision to assets | -0.0491% | 5,288 |
| Net operating income to assets | 0.3764% | 4,993 |
| Return on assets (ROA) | 0.3764% | 4,992 |
| Pretax return on assets | 0.4984% | 4,907 |
| Return on Equity (ROE) | 2.5022% | 5,070 |
| Retained earnings to average equity (ytd only) | -9.1470% | 5,382 |
| Net charge-offs to loans | -0.0159% | 4,546 |
| Credit loss provision to net charge-offs | 583.3333% | 612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7642% | 721 |
| Assets per employee ($millions) | 5.0793% | 2,367 |
| Cash dividends to net income (ytd only)* | 465.5507% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7438% | 4,770 |
| Loan loss allowance to noncurrent loans | 65.0995% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.7186% | 2,060 |
| Noncurrent loans to loans | 1.1426% | 1,483 |
| Net loans and leases to total assets | 52.5416% | 4,458 |
| Net loans and leases to deposits | 62.5928% | 4,420 |
| Net loans and leases to core deposits | 64.2909% | 4,500 |
| Total domestic deposits to total assets | 83.9419% | 2,965 |
| Equity capital to assets | 14.6794% | 791 |
| Core capital (leverage) ratio | 13.9646% | 944 |
| Tier 1 risk-based capital ratio | 31.0490% | 428 |
| Total risk-based capital ratio | 31.9029% | 442 |
| Memoranda: | ||
| Average total assets | $190,200,000 | 2,981 |
| Average earning assets | $174,245,000 | 3,007 |
| Average equity | $28,613,500 | 2,427 |
| Average total loans | $100,609,250 | 3,314 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8809% | 5,378 |
| Cost of funding earning assets | 0.3455% | 4,101 |
| Net interest margin | 2.5354% | 5,321 |
| Noninterest income to average assets | 0.2336% | 4,617 |
| Noninterest expense to average assets | 2.1386% | 4,513 |
| Loan and lease loss provision to assets | -0.0519% | 5,380 |
| Net operating income to assets | 0.3561% | 5,041 |
| Return on assets (ROA) | 0.3561% | 5,038 |
| Pretax return on assets | 0.4703% | 4,955 |
| Return on Equity (ROE) | 2.3490% | 5,130 |
| Retained earnings to average equity (ytd only) | 2.3490% | 4,339 |
| Net charge-offs to loans | -0.0373% | 4,817 |
| Credit loss provision to net charge-offs | 263.1579% | 1,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6378% | 712 |
| Assets per employee ($millions) | 5.1734% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,816 |
| Loan loss allowance to noncurrent loans | 57.8947% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7909% | 1,898 |
| Noncurrent loans to loans | 1.3041% | 1,308 |
| Net loans and leases to total assets | 51.3664% | 4,516 |
| Net loans and leases to deposits | 61.5895% | 4,447 |
| Net loans and leases to core deposits | 63.4217% | 4,525 |
| Total domestic deposits to total assets | 83.4012% | 3,282 |
| Equity capital to assets | 15.2609% | 639 |
| Core capital (leverage) ratio | 15.1403% | 639 |
| Tier 1 risk-based capital ratio | 36.0521% | 303 |
| Total risk-based capital ratio | 36.9979% | 307 |
| Memoranda: | ||
| Average total assets | $192,648,330 | 2,980 |
| Average earning assets | $176,542,330 | 2,996 |
| Average equity | $29,204,000 | 2,403 |
| Average total loans | $101,880,670 | 3,306 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8370% | 5,439 |
| Cost of funding earning assets | 0.3360% | 4,094 |
| Net interest margin | 2.5010% | 5,396 |
| Noninterest income to average assets | 0.2359% | 4,593 |
| Noninterest expense to average assets | 2.1256% | 4,598 |
| Loan and lease loss provision to assets | -0.0414% | 5,453 |
| Net operating income to assets | 0.3374% | 5,036 |
| Return on assets (ROA) | 0.3374% | 5,039 |
| Pretax return on assets | 0.4471% | 4,962 |
| Return on Equity (ROE) | 2.2329% | 5,148 |
| Retained earnings to average equity (ytd only) | 2.2329% | 4,275 |
| Net charge-offs to loans | -0.0581% | 5,035 |
| Credit loss provision to net charge-offs | 133.3333% | 1,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9738% | 799 |
| Assets per employee ($millions) | 5.2397% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 4,893 |
| Loan loss allowance to noncurrent loans | 59.0076% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 1,950 |
| Noncurrent loans to loans | 1.2880% | 1,396 |
| Net loans and leases to total assets | 52.0643% | 4,431 |
| Net loans and leases to deposits | 62.1855% | 4,326 |
| Net loans and leases to core deposits | 63.9984% | 4,422 |
| Total domestic deposits to total assets | 83.7241% | 3,425 |
| Equity capital to assets | 15.0178% | 670 |
| Core capital (leverage) ratio | 14.7531% | 697 |
| Tier 1 risk-based capital ratio | 37.2218% | 274 |
| Total risk-based capital ratio | 38.2404% | 274 |
| Memoranda: | ||
| Average total assets | $193,264,000 | 3,000 |
| Average earning assets | $177,371,000 | 3,019 |
| Average equity | $29,200,000 | 2,424 |
| Average total loans | $103,285,000 | 3,301 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7357% | 5,482 |
| Cost of funding earning assets | 0.2919% | 4,212 |
| Net interest margin | 2.4437% | 5,438 |
| Noninterest income to average assets | 0.2619% | 4,569 |
| Noninterest expense to average assets | 2.1723% | 4,590 |
| Loan and lease loss provision to assets | 0.0853% | 2,495 |
| Net operating income to assets | -0.0012% | 5,362 |
| Return on assets (ROA) | 0.0065% | 5,349 |
| Pretax return on assets | 0.2680% | 5,248 |
| Return on Equity (ROE) | 0.0443% | 5,351 |
| Retained earnings to average equity (ytd only) | 0.0443% | 4,992 |
| Net charge-offs to loans | 0.1990% | 1,292 |
| Credit loss provision to net charge-offs | 78.3410% | 2,969 |
| Earnings coverage of net charge-offs (x) | 3.1336% | 3,649 |
| Efficiency ratio | 86.4244% | 617 |
| Assets per employee ($millions) | 5.0699% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 4,973 |
| Loan loss allowance to noncurrent loans | 67.0690% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 2,114 |
| Noncurrent loans to loans | 1.1062% | 1,597 |
| Net loans and leases to total assets | 54.0242% | 4,362 |
| Net loans and leases to deposits | 65.1176% | 4,251 |
| Net loans and leases to core deposits | 67.0394% | 4,364 |
| Total domestic deposits to total assets | 82.9641% | 3,572 |
| Equity capital to assets | 15.2005% | 643 |
| Core capital (leverage) ratio | 14.5415% | 721 |
| Tier 1 risk-based capital ratio | 36.7123% | 281 |
| Total risk-based capital ratio | 37.7207% | 280 |
| Memoranda: | ||
| Average total assets | $199,282,800 | 2,927 |
| Average earning assets | $183,611,600 | 2,925 |
| Average equity | $29,338,400 | 2,403 |
| Average total loans | $109,018,000 | 3,199 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7094% | 5,560 |
| Cost of funding earning assets | 0.2835% | 4,281 |
| Net interest margin | 2.4259% | 5,510 |
| Noninterest income to average assets | 0.2608% | 4,641 |
| Noninterest expense to average assets | 2.1717% | 4,586 |
| Loan and lease loss provision to assets | 0.1261% | 1,719 |
| Net operating income to assets | 0.2170% | 5,336 |
| Return on assets (ROA) | 0.2170% | 5,349 |
| Pretax return on assets | 0.1997% | 5,392 |
| Return on Equity (ROE) | 1.4854% | 5,376 |
| Retained earnings to average equity (ytd only) | 1.4854% | 4,826 |
| Net charge-offs to loans | 0.2653% | 816 |
| Credit loss provision to net charge-offs | 86.7580% | 2,500 |
| Earnings coverage of net charge-offs (x) | 2.2420% | 3,488 |
| Efficiency ratio | 86.9554% | 572 |
| Assets per employee ($millions) | 5.2489% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 5,017 |
| Loan loss allowance to noncurrent loans | 64.6629% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 2,324 |
| Noncurrent loans to loans | 1.1611% | 1,652 |
| Net loans and leases to total assets | 52.7559% | 4,517 |
| Net loans and leases to deposits | 63.5398% | 4,410 |
| Net loans and leases to core deposits | 65.3417% | 4,528 |
| Total domestic deposits to total assets | 83.0282% | 3,442 |
| Equity capital to assets | 14.8767% | 754 |
| Core capital (leverage) ratio | 14.4381% | 781 |
| Tier 1 risk-based capital ratio | 35.7248% | 312 |
| Total risk-based capital ratio | 36.7389% | 311 |
| Memoranda: | ||
| Average total assets | $200,939,000 | 2,944 |
| Average earning assets | $185,275,500 | 2,936 |
| Average equity | $29,351,750 | 2,421 |
| Average total loans | $110,057,500 | 3,205 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7022% | 5,594 |
| Cost of funding earning assets | 0.2822% | 4,264 |
| Net interest margin | 2.4200% | 5,555 |
| Noninterest income to average assets | 0.2869% | 4,501 |
| Noninterest expense to average assets | 2.1000% | 4,770 |
| Loan and lease loss provision to assets | 0.1241% | 1,668 |
| Net operating income to assets | 0.2035% | 5,394 |
| Return on assets (ROA) | 0.2035% | 5,407 |
| Pretax return on assets | 0.2939% | 5,346 |
| Return on Equity (ROE) | 1.4020% | 5,429 |
| Retained earnings to average equity (ytd only) | 1.4020% | 4,689 |
| Net charge-offs to loans | 0.2029% | 996 |
| Credit loss provision to net charge-offs | 110.6195% | 1,882 |
| Earnings coverage of net charge-offs (x) | 3.7257% | 3,009 |
| Efficiency ratio | 83.3991% | 887 |
| Assets per employee ($millions) | 5.2359% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 5,028 |
| Loan loss allowance to noncurrent loans | 54.7775% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 2,240 |
| Noncurrent loans to loans | 1.4003% | 1,371 |
| Net loans and leases to total assets | 54.4226% | 4,358 |
| Net loans and leases to deposits | 65.4015% | 4,265 |
| Net loans and leases to core deposits | 67.4953% | 4,378 |
| Total domestic deposits to total assets | 83.2131% | 3,500 |
| Equity capital to assets | 14.8051% | 737 |
| Core capital (leverage) ratio | 14.0054% | 864 |
| Tier 1 risk-based capital ratio | 35.1802% | 299 |
| Total risk-based capital ratio | 36.2216% | 302 |
| Memoranda: | ||
| Average total assets | $201,432,000 | 2,956 |
| Average earning assets | $185,702,330 | 2,951 |
| Average equity | $29,244,670 | 2,422 |
| Average total loans | $111,402,330 | 3,202 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6550% | 5,665 |
| Cost of funding earning assets | 0.2762% | 4,285 |
| Net interest margin | 2.3788% | 5,626 |
| Noninterest income to average assets | 0.2941% | 4,451 |
| Noninterest expense to average assets | 2.0625% | 4,918 |
| Loan and lease loss provision to assets | 0.2467% | 616 |
| Net operating income to assets | 0.1322% | 5,476 |
| Return on assets (ROA) | 0.1322% | 5,486 |
| Pretax return on assets | 0.1776% | 5,458 |
| Return on Equity (ROE) | 0.9197% | 5,509 |
| Retained earnings to average equity (ytd only) | 0.9197% | 4,687 |
| Net charge-offs to loans | 0.4158% | 440 |
| Credit loss provision to net charge-offs | 106.8376% | 1,505 |
| Earnings coverage of net charge-offs (x) | 1.8376% | 2,674 |
| Efficiency ratio | 82.9365% | 1,068 |
| Assets per employee ($millions) | 5.3622% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7487% | 5,200 |
| Loan loss allowance to noncurrent loans | 55.1656% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 2,322 |
| Noncurrent loans to loans | 1.3573% | 1,484 |
| Net loans and leases to total assets | 54.1909% | 4,326 |
| Net loans and leases to deposits | 64.6255% | 4,274 |
| Net loans and leases to core deposits | 66.6214% | 4,389 |
| Total domestic deposits to total assets | 83.8538% | 3,531 |
| Equity capital to assets | 14.3480% | 798 |
| Core capital (leverage) ratio | 13.8757% | 873 |
| Tier 1 risk-based capital ratio | 34.2102% | 346 |
| Total risk-based capital ratio | 35.2314% | 346 |
| Memoranda: | ||
| Average total assets | $202,665,500 | 2,964 |
| Average earning assets | $186,818,000 | 2,975 |
| Average equity | $29,138,500 | 2,435 |
| Average total loans | $112,544,000 | 3,207 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6578% | 5,705 |
| Cost of funding earning assets | 0.2901% | 4,172 |
| Net interest margin | 2.3678% | 5,672 |
| Noninterest income to average assets | 0.2844% | 4,706 |
| Noninterest expense to average assets | 2.1483% | 4,900 |
| Loan and lease loss provision to assets | -0.0733% | 5,637 |
| Net operating income to assets | 0.2705% | 5,283 |
| Return on assets (ROA) | 0.2952% | 5,299 |
| Pretax return on assets | 0.4188% | 5,187 |
| Return on Equity (ROE) | 2.0358% | 5,399 |
| Retained earnings to average equity (ytd only) | -2.0088% | 5,534 |
| Net charge-offs to loans | 0.0115% | 3,887 |
| Credit loss provision to net charge-offs | -1,153.8462% | 5,320 |
| Earnings coverage of net charge-offs (x) | 48.8462% | 1,024 |
| Efficiency ratio | 87.3783% | 724 |
| Assets per employee ($millions) | 5.3044% | 2,050 |
| Cash dividends to net income (ytd only)* | 198.6755% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7247% | 5,308 |
| Loan loss allowance to noncurrent loans | 54.9634% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7958% | 2,366 |
| Noncurrent loans to loans | 1.3186% | 1,560 |
| Net loans and leases to total assets | 56.0650% | 4,261 |
| Net loans and leases to deposits | 66.9199% | 4,176 |
| Net loans and leases to core deposits | 69.8552% | 4,255 |
| Total domestic deposits to total assets | 83.7792% | 3,511 |
| Equity capital to assets | 14.4075% | 760 |
| Core capital (leverage) ratio | 13.8374% | 860 |
| Tier 1 risk-based capital ratio | 33.4703% | 362 |
| Total risk-based capital ratio | 34.4648% | 369 |
| Memoranda: | ||
| Average total assets | $204,626,600 | 2,905 |
| Average earning assets | $187,897,800 | 2,917 |
| Average equity | $29,669,600 | 2,377 |
| Average total loans | $113,261,000 | 3,166 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6646% | 5,775 |
| Cost of funding earning assets | 0.2928% | 4,180 |
| Net interest margin | 2.3718% | 5,733 |
| Noninterest income to average assets | 0.2908% | 4,687 |
| Noninterest expense to average assets | 2.1435% | 4,903 |
| Loan and lease loss provision to assets | -0.0909% | 5,777 |
| Net operating income to assets | 0.2858% | 5,310 |
| Return on assets (ROA) | 0.3181% | 5,327 |
| Pretax return on assets | 0.4615% | 5,208 |
| Return on Equity (ROE) | 2.1904% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.1904% | 4,598 |
| Net charge-offs to loans | 0.0118% | 3,528 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,263 |
| Earnings coverage of net charge-offs (x) | 49.9115% | 1,072 |
| Efficiency ratio | 86.8719% | 746 |
| Assets per employee ($millions) | 5.3773% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 5,322 |
| Loan loss allowance to noncurrent loans | 44.8848% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 2,235 |
| Noncurrent loans to loans | 1.6660% | 1,273 |
| Net loans and leases to total assets | 54.4321% | 4,458 |
| Net loans and leases to deposits | 64.9101% | 4,421 |
| Net loans and leases to core deposits | 67.7072% | 4,490 |
| Total domestic deposits to total assets | 83.8577% | 3,257 |
| Equity capital to assets | 14.3365% | 920 |
| Core capital (leverage) ratio | 13.8508% | 894 |
| Tier 1 risk-based capital ratio | 33.2335% | 375 |
| Total risk-based capital ratio | 34.2458% | 377 |
| Memoranda: | ||
| Average total assets | $205,391,250 | 2,912 |
| Average earning assets | $188,491,500 | 2,923 |
| Average equity | $29,826,750 | 2,378 |
| Average total loans | $113,117,750 | 3,181 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7112% | 5,840 |
| Cost of funding earning assets | 0.3405% | 3,677 |
| Net interest margin | 2.3707% | 5,826 |
| Noninterest income to average assets | 0.2887% | 4,718 |
| Noninterest expense to average assets | 2.1279% | 5,000 |
| Loan and lease loss provision to assets | -0.1069% | 5,883 |
| Net operating income to assets | 0.3036% | 5,313 |
| Return on assets (ROA) | 0.3519% | 5,260 |
| Pretax return on assets | 0.5103% | 5,112 |
| Return on Equity (ROE) | 2.4130% | 5,409 |
| Retained earnings to average equity (ytd only) | 2.4130% | 4,349 |
| Net charge-offs to loans | 0.0247% | 2,993 |
| Credit loss provision to net charge-offs | -785.7143% | 5,037 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,543 |
| Efficiency ratio | 86.4534% | 842 |
| Assets per employee ($millions) | 5.3192% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 5,326 |
| Loan loss allowance to noncurrent loans | 45.7143% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 2,239 |
| Noncurrent loans to loans | 1.7054% | 1,242 |
| Net loans and leases to total assets | 54.3999% | 4,471 |
| Net loans and leases to deposits | 66.2152% | 4,332 |
| Net loans and leases to core deposits | 69.1566% | 4,393 |
| Total domestic deposits to total assets | 82.1561% | 3,958 |
| Equity capital to assets | 15.0348% | 722 |
| Core capital (leverage) ratio | 14.0483% | 810 |
| Tier 1 risk-based capital ratio | 33.4591% | 373 |
| Total risk-based capital ratio | 34.4779% | 373 |
| Memoranda: | ||
| Average total assets | $205,742,000 | 2,922 |
| Average earning assets | $188,552,000 | 2,946 |
| Average equity | $30,004,000 | 2,367 |
| Average total loans | $113,469,000 | 3,183 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7173% | 5,899 |
| Cost of funding earning assets | 0.3564% | 3,538 |
| Net interest margin | 2.3608% | 5,896 |
| Noninterest income to average assets | 0.2467% | 4,971 |
| Noninterest expense to average assets | 2.0969% | 5,117 |
| Loan and lease loss provision to assets | -0.1156% | 5,994 |
| Net operating income to assets | 0.3138% | 5,265 |
| Return on assets (ROA) | 0.3623% | 5,187 |
| Pretax return on assets | 0.5030% | 5,082 |
| Return on Equity (ROE) | 2.5226% | 5,373 |
| Retained earnings to average equity (ytd only) | 2.5226% | 4,244 |
| Net charge-offs to loans | 0.0941% | 1,571 |
| Credit loss provision to net charge-offs | -222.2222% | 4,365 |
| Earnings coverage of net charge-offs (x) | 6.1481% | 2,262 |
| Efficiency ratio | 86.7624% | 908 |
| Assets per employee ($millions) | 5.2975% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 5,395 |
| Loan loss allowance to noncurrent loans | 54.5730% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 0.9477% | 2,336 |
| Noncurrent loans to loans | 1.4461% | 1,640 |
| Net loans and leases to total assets | 54.8262% | 4,373 |
| Net loans and leases to deposits | 66.8350% | 4,175 |
| Net loans and leases to core deposits | 69.7355% | 4,257 |
| Total domestic deposits to total assets | 82.0321% | 4,213 |
| Equity capital to assets | 14.5613% | 820 |
| Core capital (leverage) ratio | 13.7628% | 881 |
| Tier 1 risk-based capital ratio | 33.1536% | 391 |
| Total risk-based capital ratio | 34.2143% | 390 |
| Memoranda: | ||
| Average total assets | $207,547,500 | 2,914 |
| Average earning assets | $190,779,500 | 2,921 |
| Average equity | $29,811,000 | 2,378 |
| Average total loans | $114,792,000 | 3,167 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7279% | 5,922 |
| Cost of funding earning assets | 0.3966% | 3,198 |
| Net interest margin | 2.3313% | 5,931 |
| Noninterest income to average assets | 0.2724% | 4,927 |
| Noninterest expense to average assets | 2.3259% | 4,717 |
| Loan and lease loss provision to assets | 0.0380% | 3,580 |
| Net operating income to assets | 0.0447% | 5,818 |
| Return on assets (ROA) | 0.0794% | 5,821 |
| Pretax return on assets | 0.0723% | 5,820 |
| Return on Equity (ROE) | 0.5607% | 5,830 |
| Retained earnings to average equity (ytd only) | 0.5607% | 5,293 |
| Net charge-offs to loans | 0.1679% | 1,685 |
| Credit loss provision to net charge-offs | 41.0256% | 3,518 |
| Earnings coverage of net charge-offs (x) | 0.8154% | 4,176 |
| Efficiency ratio | 96.8527% | 371 |
| Assets per employee ($millions) | 5.2123% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 5,245 |
| Loan loss allowance to noncurrent loans | 74.6788% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 0.7818% | 2,725 |
| Noncurrent loans to loans | 1.1463% | 2,053 |
| Net loans and leases to total assets | 54.8810% | 4,405 |
| Net loans and leases to deposits | 68.0312% | 4,127 |
| Net loans and leases to core deposits | 70.9178% | 4,221 |
| Total domestic deposits to total assets | 80.6703% | 4,575 |
| Equity capital to assets | 14.1674% | 876 |
| Core capital (leverage) ratio | 13.4200% | 997 |
| Tier 1 risk-based capital ratio | 32.0262% | 429 |
| Total risk-based capital ratio | 33.1607% | 429 |
| Memoranda: | ||
| Average total assets | $210,368,400 | 2,844 |
| Average earning assets | $192,123,600 | 2,871 |
| Average equity | $29,783,200 | 2,335 |
| Average total loans | $116,136,800 | 3,107 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7263% | 6,004 |
| Cost of funding earning assets | 0.4035% | 3,192 |
| Net interest margin | 2.3227% | 6,022 |
| Noninterest income to average assets | 0.3130% | 4,707 |
| Noninterest expense to average assets | 2.3563% | 4,637 |
| Loan and lease loss provision to assets | 0.0822% | 2,528 |
| Net operating income to assets | 0.0063% | 5,932 |
| Return on assets (ROA) | 0.0525% | 5,935 |
| Pretax return on assets | 0.0392% | 5,942 |
| Return on Equity (ROE) | 0.3708% | 5,940 |
| Retained earnings to average equity (ytd only) | 0.3708% | 5,511 |
| Net charge-offs to loans | 0.1696% | 1,465 |
| Credit loss provision to net charge-offs | 87.8378% | 2,501 |
| Earnings coverage of net charge-offs (x) | 0.8040% | 3,912 |
| Efficiency ratio | 96.9051% | 390 |
| Assets per employee ($millions) | 5.2137% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 5,073 |
| Loan loss allowance to noncurrent loans | 58.3333% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.4908% | 1,507 |
| Noncurrent loans to loans | 1.5927% | 1,557 |
| Net loans and leases to total assets | 55.4779% | 4,412 |
| Net loans and leases to deposits | 68.3934% | 4,149 |
| Net loans and leases to core deposits | 71.5000% | 4,234 |
| Total domestic deposits to total assets | 81.1159% | 4,445 |
| Equity capital to assets | 14.2093% | 942 |
| Core capital (leverage) ratio | 13.5098% | 1,013 |
| Tier 1 risk-based capital ratio | 31.3991% | 460 |
| Total risk-based capital ratio | 32.6223% | 456 |
| Memoranda: | ||
| Average total assets | $210,837,250 | 2,854 |
| Average earning assets | $192,296,250 | 2,895 |
| Average equity | $29,844,500 | 2,335 |
| Average total loans | $116,318,250 | 3,131 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7146% | 6,073 |
| Cost of funding earning assets | 0.4094% | 3,167 |
| Net interest margin | 2.3052% | 6,095 |
| Noninterest income to average assets | 0.2722% | 5,003 |
| Noninterest expense to average assets | 2.3488% | 4,717 |
| Loan and lease loss provision to assets | 0.1229% | 1,798 |
| Net operating income to assets | -0.0319% | 6,014 |
| Return on assets (ROA) | 0.0123% | 6,015 |
| Pretax return on assets | -0.0284% | 6,038 |
| Return on Equity (ROE) | 0.0869% | 6,015 |
| Retained earnings to average equity (ytd only) | 0.0869% | 5,478 |
| Net charge-offs to loans | 0.2634% | 990 |
| Credit loss provision to net charge-offs | 84.9673% | 2,275 |
| Earnings coverage of net charge-offs (x) | 0.1765% | 3,694 |
| Efficiency ratio | 98.9252% | 351 |
| Assets per employee ($millions) | 4.9544% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 5,232 |
| Loan loss allowance to noncurrent loans | 45.7046% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 1.7603% | 1,330 |
| Noncurrent loans to loans | 2.0065% | 1,213 |
| Net loans and leases to total assets | 56.0780% | 4,327 |
| Net loans and leases to deposits | 69.4116% | 3,991 |
| Net loans and leases to core deposits | 72.5770% | 4,078 |
| Total domestic deposits to total assets | 80.7905% | 4,672 |
| Equity capital to assets | 14.0904% | 958 |
| Core capital (leverage) ratio | 13.3835% | 1,021 |
| Tier 1 risk-based capital ratio | 30.5882% | 513 |
| Total risk-based capital ratio | 31.7788% | 505 |
| Memoranda: | ||
| Average total assets | $211,601,000 | 2,865 |
| Average earning assets | $192,953,330 | 2,904 |
| Average equity | $29,915,000 | 2,343 |
| Average total loans | $116,163,670 | 3,151 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7004% | 6,133 |
| Cost of funding earning assets | 0.4216% | 3,051 |
| Net interest margin | 2.2788% | 6,169 |
| Noninterest income to average assets | 0.2456% | 5,207 |
| Noninterest expense to average assets | 2.1729% | 5,219 |
| Loan and lease loss provision to assets | 0.0281% | 3,316 |
| Net operating income to assets | 0.0876% | 5,899 |
| Return on assets (ROA) | 0.1875% | 5,791 |
| Pretax return on assets | 0.2606% | 5,731 |
| Return on Equity (ROE) | 1.3240% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.3240% | 4,952 |
| Net charge-offs to loans | 0.1664% | 1,273 |
| Credit loss provision to net charge-offs | 31.2500% | 2,261 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 2,883 |
| Efficiency ratio | 93.5432% | 620 |
| Assets per employee ($millions) | 4.8741% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 5,342 |
| Loan loss allowance to noncurrent loans | 36.6941% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 2.1624% | 1,065 |
| Noncurrent loans to loans | 2.5249% | 957 |
| Net loans and leases to total assets | 54.5926% | 4,359 |
| Net loans and leases to deposits | 67.2497% | 4,029 |
| Net loans and leases to core deposits | 70.2710% | 4,124 |
| Total domestic deposits to total assets | 81.1790% | 4,775 |
| Equity capital to assets | 14.1031% | 951 |
| Core capital (leverage) ratio | 13.5030% | 970 |
| Tier 1 risk-based capital ratio | 31.8309% | 464 |
| Total risk-based capital ratio | 33.0121% | 466 |
| Memoranda: | ||
| Average total assets | $213,359,000 | 2,872 |
| Average earning assets | $194,487,500 | 2,898 |
| Average equity | $30,212,500 | 2,334 |
| Average total loans | $115,360,500 | 3,171 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8214% | 6,192 |
| Cost of funding earning assets | 0.5296% | 2,394 |
| Net interest margin | 2.2917% | 6,272 |
| Noninterest income to average assets | 0.6417% | 2,608 |
| Noninterest expense to average assets | 2.1817% | 5,384 |
| Loan and lease loss provision to assets | 0.3193% | 628 |
| Net operating income to assets | 0.9207% | 2,773 |
| Return on assets (ROA) | 0.9770% | 2,572 |
| Pretax return on assets | 0.2881% | 5,724 |
| Return on Equity (ROE) | 7.1871% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.1871% | 1,322 |
| Net charge-offs to loans | 0.8417% | 402 |
| Credit loss provision to net charge-offs | 70.1913% | 3,071 |
| Earnings coverage of net charge-offs (x) | 1.2115% | 4,469 |
| Efficiency ratio | 79.8357% | 1,957 |
| Assets per employee ($millions) | 4.9348% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 5,262 |
| Loan loss allowance to noncurrent loans | 37.0383% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 2.1779% | 1,126 |
| Noncurrent loans to loans | 2.5843% | 970 |
| Net loans and leases to total assets | 52.5623% | 4,733 |
| Net loans and leases to deposits | 67.6683% | 4,157 |
| Net loans and leases to core deposits | 70.5102% | 4,277 |
| Total domestic deposits to total assets | 77.6764% | 5,490 |
| Equity capital to assets | 14.2157% | 897 |
| Core capital (leverage) ratio | 13.6735% | 910 |
| Tier 1 risk-based capital ratio | 31.0467% | 471 |
| Total risk-based capital ratio | 32.2076% | 463 |
| Memoranda: | ||
| Average total assets | $218,318,600 | 2,798 |
| Average earning assets | $199,194,600 | 2,812 |
| Average equity | $29,678,200 | 2,288 |
| Average total loans | $117,977,000 | 3,082 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8546% | 6,247 |
| Cost of funding earning assets | 0.5343% | 2,424 |
| Net interest margin | 2.3203% | 6,330 |
| Noninterest income to average assets | 0.7184% | 2,240 |
| Noninterest expense to average assets | 2.1694% | 5,410 |
| Loan and lease loss provision to assets | 0.4190% | 395 |
| Net operating income to assets | 1.1698% | 1,793 |
| Return on assets (ROA) | 1.2448% | 1,594 |
| Pretax return on assets | 0.3214% | 5,740 |
| Return on Equity (ROE) | 9.2620% | 2,562 |
| Retained earnings to average equity (ytd only) | 9.2620% | 909 |
| Net charge-offs to loans | 0.9888% | 316 |
| Credit loss provision to net charge-offs | 78.0682% | 2,633 |
| Earnings coverage of net charge-offs (x) | 1.2398% | 4,199 |
| Efficiency ratio | 76.5275% | 2,408 |
| Assets per employee ($millions) | 5.1413% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 4,996 |
| Loan loss allowance to noncurrent loans | 42.7811% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 1.9538% | 1,485 |
| Noncurrent loans to loans | 2.4506% | 1,207 |
| Net loans and leases to total assets | 52.7140% | 4,731 |
| Net loans and leases to deposits | 68.2095% | 4,104 |
| Net loans and leases to core deposits | 71.1612% | 4,229 |
| Total domestic deposits to total assets | 77.2825% | 5,628 |
| Equity capital to assets | 14.1255% | 961 |
| Core capital (leverage) ratio | 13.6134% | 962 |
| Tier 1 risk-based capital ratio | 30.3673% | 505 |
| Total risk-based capital ratio | 31.6178% | 500 |
| Memoranda: | ||
| Average total assets | $218,615,000 | 2,816 |
| Average earning assets | $199,392,000 | 2,835 |
| Average equity | $29,381,000 | 2,322 |
| Average total loans | $118,663,000 | 3,087 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8945% | 6,259 |
| Cost of funding earning assets | 0.5250% | 2,587 |
| Net interest margin | 2.3695% | 6,375 |
| Noninterest income to average assets | 0.2660% | 5,299 |
| Noninterest expense to average assets | 2.1065% | 5,613 |
| Loan and lease loss provision to assets | 0.4373% | 375 |
| Net operating income to assets | 1.4852% | 896 |
| Return on assets (ROA) | 1.5243% | 866 |
| Pretax return on assets | -0.0538% | 6,226 |
| Return on Equity (ROE) | 11.5350% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.5350% | 474 |
| Net charge-offs to loans | 1.1262% | 286 |
| Credit loss provision to net charge-offs | 71.1111% | 2,458 |
| Earnings coverage of net charge-offs (x) | 0.5244% | 4,027 |
| Efficiency ratio | 86.7217% | 1,197 |
| Assets per employee ($millions) | 5.0407% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 5,290 |
| Loan loss allowance to noncurrent loans | 34.0498% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 2.6881% | 996 |
| Noncurrent loans to loans | 2.9772% | 981 |
| Net loans and leases to total assets | 53.0076% | 4,641 |
| Net loans and leases to deposits | 68.6878% | 3,968 |
| Net loans and leases to core deposits | 71.2672% | 4,126 |
| Total domestic deposits to total assets | 77.1718% | 5,779 |
| Equity capital to assets | 13.6290% | 1,115 |
| Core capital (leverage) ratio | 13.2670% | 1,059 |
| Tier 1 risk-based capital ratio | 29.2473% | 561 |
| Total risk-based capital ratio | 30.4494% | 551 |
| Memoranda: | ||
| Average total assets | $219,508,330 | 2,814 |
| Average earning assets | $200,378,330 | 2,834 |
| Average equity | $29,007,330 | 2,340 |
| Average total loans | $119,872,670 | 3,066 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9550% | 6,277 |
| Cost of funding earning assets | 0.5249% | 2,661 |
| Net interest margin | 2.4301% | 6,394 |
| Noninterest income to average assets | 0.2784% | 5,138 |
| Noninterest expense to average assets | 2.0608% | 5,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4396% | 4,978 |
| Return on assets (ROA) | 0.5092% | 4,719 |
| Pretax return on assets | 0.5092% | 5,142 |
| Return on Equity (ROE) | 3.9159% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.9159% | 3,765 |
| Net charge-offs to loans | 0.6809% | 537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.1707% | 3,160 |
| Efficiency ratio | 82.4176% | 1,875 |
| Assets per employee ($millions) | 5.0228% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 5,556 |
| Loan loss allowance to noncurrent loans | 36.4914% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 2.6669% | 1,150 |
| Noncurrent loans to loans | 2.7198% | 1,239 |
| Net loans and leases to total assets | 55.1479% | 4,261 |
| Net loans and leases to deposits | 71.0530% | 3,470 |
| Net loans and leases to core deposits | 72.9379% | 3,766 |
| Total domestic deposits to total assets | 77.6152% | 5,887 |
| Equity capital to assets | 13.2377% | 1,196 |
| Core capital (leverage) ratio | 13.3743% | 1,015 |
| Tier 1 risk-based capital ratio | 29.3670% | 556 |
| Total risk-based capital ratio | 30.5809% | 550 |
| Memoranda: | ||
| Average total assets | $218,367,000 | 2,848 |
| Average earning assets | $199,660,500 | 2,855 |
| Average equity | $28,397,000 | 2,377 |
| Average total loans | $120,424,000 | 3,066 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0198% | 6,324 |
| Cost of funding earning assets | 0.5708% | 2,918 |
| Net interest margin | 2.4490% | 6,413 |
| Noninterest income to average assets | 0.3402% | 4,886 |
| Noninterest expense to average assets | 2.2111% | 5,600 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3606% | 5,292 |
| Return on assets (ROA) | 0.4433% | 5,107 |
| Pretax return on assets | 0.4433% | 5,381 |
| Return on Equity (ROE) | 4.0732% | 5,074 |
| Retained earnings to average equity (ytd only) | 4.0732% | 3,284 |
| Net charge-offs to loans | 0.1368% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.7831% | 3,457 |
| Efficiency ratio | 85.9767% | 1,416 |
| Assets per employee ($millions) | 5.1338% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 4,861 |
| Loan loss allowance to noncurrent loans | 42.7698% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 2.6722% | 1,255 |
| Noncurrent loans to loans | 2.7135% | 1,340 |
| Net loans and leases to total assets | 53.9725% | 4,584 |
| Net loans and leases to deposits | 70.0303% | 3,779 |
| Net loans and leases to core deposits | 71.8773% | 4,089 |
| Total domestic deposits to total assets | 77.0703% | 5,956 |
| Equity capital to assets | 12.7758% | 1,378 |
| Core capital (leverage) ratio | 12.9593% | 1,158 |
| Tier 1 risk-based capital ratio | 28.4399% | 583 |
| Total risk-based capital ratio | 29.6915% | 572 |
| Memoranda: | ||
| Average total assets | $220,166,800 | 2,807 |
| Average earning assets | $200,611,000 | 2,818 |
| Average equity | $23,961,400 | 2,735 |
| Average total loans | $121,368,000 | 3,010 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0244% | 6,403 |
| Cost of funding earning assets | 0.5752% | 3,043 |
| Net interest margin | 2.4492% | 6,472 |
| Noninterest income to average assets | 0.3575% | 4,834 |
| Noninterest expense to average assets | 2.1791% | 5,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4103% | 5,207 |
| Return on assets (ROA) | 0.4381% | 5,227 |
| Pretax return on assets | 0.4381% | 5,532 |
| Return on Equity (ROE) | 4.2093% | 5,127 |
| Retained earnings to average equity (ytd only) | 4.2093% | 3,689 |
| Net charge-offs to loans | 0.1513% | 3,029 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.9057% | 3,327 |
| Efficiency ratio | 84.1563% | 1,569 |
| Assets per employee ($millions) | 5.2218% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 5,073 |
| Loan loss allowance to noncurrent loans | 42.0820% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 2.6490% | 1,425 |
| Noncurrent loans to loans | 2.7550% | 1,526 |
| Net loans and leases to total assets | 54.1813% | 4,584 |
| Net loans and leases to deposits | 67.9409% | 4,065 |
| Net loans and leases to core deposits | 69.7551% | 4,351 |
| Total domestic deposits to total assets | 79.7477% | 5,568 |
| Equity capital to assets | 10.2144% | 3,622 |
| Core capital (leverage) ratio | 10.2629% | 3,301 |
| Tier 1 risk-based capital ratio | 22.4570% | 1,234 |
| Total risk-based capital ratio | 23.7083% | 1,213 |
| Memoranda: | ||
| Average total assets | $220,020,250 | 2,831 |
| Average earning assets | $200,498,750 | 2,847 |
| Average equity | $22,901,000 | 2,862 |
| Average total loans | $121,573,750 | 3,027 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0531% | 6,394 |
| Cost of funding earning assets | 0.5915% | 3,019 |
| Net interest margin | 2.4616% | 6,487 |
| Noninterest income to average assets | 0.4009% | 4,522 |
| Noninterest expense to average assets | 2.2012% | 5,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4430% | 5,047 |
| Return on assets (ROA) | 0.4851% | 5,036 |
| Pretax return on assets | 0.4851% | 5,417 |
| Return on Equity (ROE) | 4.6309% | 4,934 |
| Retained earnings to average equity (ytd only) | 4.6309% | 3,312 |
| Net charge-offs to loans | 0.1520% | 2,886 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.2609% | 2,933 |
| Efficiency ratio | 83.2468% | 1,727 |
| Assets per employee ($millions) | 4.9102% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 4,931 |
| Loan loss allowance to noncurrent loans | 38.6716% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 3.1970% | 1,243 |
| Noncurrent loans to loans | 3.1297% | 1,412 |
| Net loans and leases to total assets | 55.6501% | 4,352 |
| Net loans and leases to deposits | 71.0350% | 3,580 |
| Net loans and leases to core deposits | 73.0421% | 3,918 |
| Total domestic deposits to total assets | 78.3418% | 5,912 |
| Equity capital to assets | 10.4926% | 3,315 |
| Core capital (leverage) ratio | 10.5768% | 2,795 |
| Tier 1 risk-based capital ratio | 22.1605% | 1,255 |
| Total risk-based capital ratio | 23.4125% | 1,234 |
| Memoranda: | ||
| Average total assets | $218,514,670 | 2,862 |
| Average earning assets | $199,140,000 | 2,881 |
| Average equity | $22,889,670 | 2,878 |
| Average total loans | $121,070,330 | 3,051 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0875% | 6,412 |
| Cost of funding earning assets | 0.6099% | 3,014 |
| Net interest margin | 2.4776% | 6,533 |
| Noninterest income to average assets | 0.3895% | 4,540 |
| Noninterest expense to average assets | 2.2498% | 5,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4023% | 5,125 |
| Return on assets (ROA) | 0.4860% | 4,899 |
| Pretax return on assets | 0.4860% | 5,304 |
| Return on Equity (ROE) | 4.6435% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.6435% | 3,450 |
| Net charge-offs to loans | 0.1259% | 2,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.8158% | 2,319 |
| Efficiency ratio | 84.8318% | 1,659 |
| Assets per employee ($millions) | 4.6449% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 4,878 |
| Loan loss allowance to noncurrent loans | 43.8793% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 3.0154% | 1,487 |
| Noncurrent loans to loans | 2.8790% | 1,755 |
| Net loans and leases to total assets | 54.6681% | 4,300 |
| Net loans and leases to deposits | 69.4152% | 3,588 |
| Net loans and leases to core deposits | 71.2328% | 3,928 |
| Total domestic deposits to total assets | 78.7552% | 6,002 |
| Equity capital to assets | 10.5615% | 3,475 |
| Core capital (leverage) ratio | 10.3471% | 2,973 |
| Tier 1 risk-based capital ratio | 22.1837% | 1,296 |
| Total risk-based capital ratio | 23.4378% | 1,268 |
| Memoranda: | ||
| Average total assets | $219,748,000 | 2,872 |
| Average earning assets | $200,677,500 | 2,893 |
| Average equity | $23,000,000 | 2,921 |
| Average total loans | $120,753,500 | 3,073 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2053% | 6,658 |
| Cost of funding earning assets | 0.7283% | 3,270 |
| Net interest margin | 2.4770% | 6,724 |
| Noninterest income to average assets | 0.2675% | 5,544 |
| Noninterest expense to average assets | 2.4380% | 5,292 |
| Loan and lease loss provision to assets | 0.2190% | 2,943 |
| Net operating income to assets | -0.1281% | 6,311 |
| Return on assets (ROA) | -0.0070% | 6,312 |
| Pretax return on assets | -0.0070% | 6,290 |
| Return on Equity (ROE) | -0.0689% | 6,313 |
| Retained earnings to average equity (ytd only) | -0.0689% | 5,855 |
| Net charge-offs to loans | 0.6959% | 1,701 |
| Credit loss provision to net charge-offs | 58.7339% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.2438% | 5,352 |
| Efficiency ratio | 96.4045% | 693 |
| Assets per employee ($millions) | 4.9152% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 4,645 |
| Loan loss allowance to noncurrent loans | 41.1301% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 3.1236% | 1,505 |
| Noncurrent loans to loans | 3.1542% | 1,634 |
| Net loans and leases to total assets | 53.8321% | 4,638 |
| Net loans and leases to deposits | 69.2147% | 3,808 |
| Net loans and leases to core deposits | 71.0201% | 4,164 |
| Total domestic deposits to total assets | 77.7755% | 6,114 |
| Equity capital to assets | 10.3728% | 3,667 |
| Core capital (leverage) ratio | 10.0916% | 3,284 |
| Tier 1 risk-based capital ratio | 21.5385% | 1,349 |
| Total risk-based capital ratio | 22.7949% | 1,324 |
| Memoranda: | ||
| Average total assets | $228,757,400 | 2,743 |
| Average earning assets | $208,843,800 | 2,753 |
| Average equity | $23,229,200 | 2,827 |
| Average total loans | $122,582,400 | 3,026 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2435% | 6,766 |
| Cost of funding earning assets | 0.7455% | 3,385 |
| Net interest margin | 2.4980% | 6,823 |
| Noninterest income to average assets | 0.2896% | 5,465 |
| Noninterest expense to average assets | 2.2232% | 5,899 |
| Loan and lease loss provision to assets | 0.0410% | 5,263 |
| Net operating income to assets | 0.3052% | 5,597 |
| Return on assets (ROA) | 0.4653% | 5,228 |
| Pretax return on assets | 0.4653% | 5,552 |
| Return on Equity (ROE) | 4.6063% | 5,001 |
| Retained earnings to average equity (ytd only) | 4.6063% | 3,661 |
| Net charge-offs to loans | 0.4290% | 2,382 |
| Credit loss provision to net charge-offs | 17.9293% | 4,987 |
| Earnings coverage of net charge-offs (x) | 1.5126% | 4,527 |
| Efficiency ratio | 86.5242% | 1,341 |
| Assets per employee ($millions) | 4.8291% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,777 |
| Loan loss allowance to noncurrent loans | 36.9374% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 3.4300% | 1,467 |
| Noncurrent loans to loans | 3.5428% | 1,531 |
| Net loans and leases to total assets | 52.8984% | 4,930 |
| Net loans and leases to deposits | 68.8285% | 4,055 |
| Net loans and leases to core deposits | 71.4210% | 4,326 |
| Total domestic deposits to total assets | 76.8554% | 6,261 |
| Equity capital to assets | 10.5384% | 3,797 |
| Core capital (leverage) ratio | 10.1957% | 3,288 |
| Tier 1 risk-based capital ratio | 22.1481% | 1,302 |
| Total risk-based capital ratio | 23.4009% | 1,281 |
| Memoranda: | ||
| Average total assets | $230,650,750 | 2,745 |
| Average earning assets | $210,510,500 | 2,754 |
| Average equity | $23,300,750 | 2,847 |
| Average total loans | $123,069,750 | 3,051 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2885% | 6,818 |
| Cost of funding earning assets | 0.7618% | 3,506 |
| Net interest margin | 2.5267% | 6,866 |
| Noninterest income to average assets | 0.2760% | 5,601 |
| Noninterest expense to average assets | 2.2089% | 5,982 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3700% | 5,347 |
| Return on assets (ROA) | 0.4373% | 5,311 |
| Pretax return on assets | 0.4373% | 5,607 |
| Return on Equity (ROE) | 4.3906% | 5,095 |
| Retained earnings to average equity (ytd only) | 4.3906% | 3,690 |
| Net charge-offs to loans | 0.3821% | 2,491 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.8178% | 4,070 |
| Efficiency ratio | 85.6522% | 1,467 |
| Assets per employee ($millions) | 4.7426% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 4,594 |
| Loan loss allowance to noncurrent loans | 45.8913% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 3.1426% | 1,733 |
| Noncurrent loans to loans | 2.9745% | 1,997 |
| Net loans and leases to total assets | 53.3574% | 4,903 |
| Net loans and leases to deposits | 69.9725% | 3,899 |
| Net loans and leases to core deposits | 72.8790% | 4,182 |
| Total domestic deposits to total assets | 76.2548% | 6,423 |
| Equity capital to assets | 10.3020% | 3,933 |
| Core capital (leverage) ratio | 10.0344% | 3,379 |
| Tier 1 risk-based capital ratio | 21.6337% | 1,364 |
| Total risk-based capital ratio | 22.8686% | 1,339 |
| Memoranda: | ||
| Average total assets | $231,878,000 | 2,733 |
| Average earning assets | $211,340,670 | 2,745 |
| Average equity | $23,094,670 | 2,841 |
| Average total loans | $123,541,330 | 3,060 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2978% | 6,893 |
| Cost of funding earning assets | 0.7822% | 3,610 |
| Net interest margin | 2.5156% | 6,944 |
| Noninterest income to average assets | 0.2256% | 6,006 |
| Noninterest expense to average assets | 2.1300% | 6,199 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3880% | 5,309 |
| Return on assets (ROA) | 0.4650% | 5,175 |
| Pretax return on assets | 0.4650% | 5,538 |
| Return on Equity (ROE) | 4.7478% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.7478% | 3,712 |
| Net charge-offs to loans | 0.4623% | 1,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.5874% | 3,535 |
| Efficiency ratio | 84.5893% | 1,627 |
| Assets per employee ($millions) | 4.9596% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 4,416 |
| Loan loss allowance to noncurrent loans | 63.3345% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 2.7575% | 2,126 |
| Noncurrent loans to loans | 2.2744% | 2,829 |
| Net loans and leases to total assets | 53.2030% | 4,853 |
| Net loans and leases to deposits | 68.9943% | 3,876 |
| Net loans and leases to core deposits | 71.8121% | 4,180 |
| Total domestic deposits to total assets | 77.1122% | 6,386 |
| Equity capital to assets | 10.0862% | 4,017 |
| Core capital (leverage) ratio | 9.9096% | 3,486 |
| Tier 1 risk-based capital ratio | 21.6328% | 1,353 |
| Total risk-based capital ratio | 22.8805% | 1,331 |
| Memoranda: | ||
| Average total assets | $233,994,000 | 2,728 |
| Average earning assets | $213,232,500 | 2,734 |
| Average equity | $22,916,000 | 2,861 |
| Average total loans | $123,738,500 | 3,070 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6520% | 6,892 |
| Cost of funding earning assets | 1.0245% | 3,203 |
| Net interest margin | 2.6275% | 6,986 |
| Noninterest income to average assets | 0.2118% | 6,002 |
| Noninterest expense to average assets | 3.4459% | 2,129 |
| Loan and lease loss provision to assets | 0.0366% | 6,108 |
| Net operating income to assets | -0.9614% | 6,724 |
| Return on assets (ROA) | -0.8142% | 6,694 |
| Pretax return on assets | -0.8142% | 6,652 |
| Return on Equity (ROE) | -8.6422% | 6,700 |
| Retained earnings to average equity (ytd only) | -8.6422% | 6,652 |
| Net charge-offs to loans | 1.6091% | 983 |
| Credit loss provision to net charge-offs | 4.4096% | 6,047 |
| Earnings coverage of net charge-offs (x) | -1.1146% | 6,211 |
| Efficiency ratio | 136.6817% | 198 |
| Assets per employee ($millions) | 5.2140% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 3,822 |
| Loan loss allowance to noncurrent loans | 73.3920% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.5942% | 2,341 |
| Noncurrent loans to loans | 2.1010% | 3,065 |
| Net loans and leases to total assets | 51.0359% | 5,460 |
| Net loans and leases to deposits | 66.6055% | 4,650 |
| Net loans and leases to core deposits | 69.3288% | 4,870 |
| Total domestic deposits to total assets | 76.6241% | 6,390 |
| Equity capital to assets | 9.5149% | 4,866 |
| Core capital (leverage) ratio | 9.3439% | 4,261 |
| Tier 1 risk-based capital ratio | 20.2725% | 1,575 |
| Total risk-based capital ratio | 21.5276% | 1,553 |
| Memoranda: | ||
| Average total assets | $246,002,800 | 2,571 |
| Average earning assets | $216,209,200 | 2,656 |
| Average equity | $23,177,000 | 2,759 |
| Average total loans | $126,840,800 | 3,042 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 6,900 |
| Cost of funding earning assets | 1.0757% | 3,140 |
| Net interest margin | 2.6594% | 7,024 |
| Noninterest income to average assets | 0.2160% | 6,061 |
| Noninterest expense to average assets | 3.2990% | 2,494 |
| Loan and lease loss provision to assets | 0.2483% | 3,519 |
| Net operating income to assets | -1.0104% | 6,888 |
| Return on assets (ROA) | -0.8155% | 6,842 |
| Pretax return on assets | -0.8155% | 6,792 |
| Return on Equity (ROE) | -8.6763% | 6,854 |
| Retained earnings to average equity (ytd only) | -8.6763% | 6,808 |
| Net charge-offs to loans | 1.8723% | 700 |
| Credit loss provision to net charge-offs | 25.7542% | 5,481 |
| Earnings coverage of net charge-offs (x) | -0.7905% | 5,901 |
| Efficiency ratio | 130.0425% | 227 |
| Assets per employee ($millions) | 4.7419% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 4,328 |
| Loan loss allowance to noncurrent loans | 114.9677% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 2.1117% | 3,015 |
| Noncurrent loans to loans | 1.2620% | 4,428 |
| Net loans and leases to total assets | 50.0494% | 5,695 |
| Net loans and leases to deposits | 65.7642% | 4,940 |
| Net loans and leases to core deposits | 68.4552% | 5,124 |
| Total domestic deposits to total assets | 76.1044% | 6,526 |
| Equity capital to assets | 9.6672% | 4,833 |
| Core capital (leverage) ratio | 9.4739% | 4,189 |
| Tier 1 risk-based capital ratio | 20.6710% | 1,525 |
| Total risk-based capital ratio | 21.9253% | 1,494 |
| Memoranda: | ||
| Average total assets | $247,542,250 | 2,561 |
| Average earning assets | $216,035,750 | 2,670 |
| Average equity | $23,266,000 | 2,757 |
| Average total loans | $127,470,000 | 3,053 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7691% | 6,953 |
| Cost of funding earning assets | 1.1059% | 3,201 |
| Net interest margin | 2.6632% | 7,065 |
| Noninterest income to average assets | 0.1988% | 6,246 |
| Noninterest expense to average assets | 3.6305% | 1,672 |
| Loan and lease loss provision to assets | 0.0241% | 5,992 |
| Net operating income to assets | -1.1097% | 6,979 |
| Return on assets (ROA) | -0.9293% | 6,924 |
| Pretax return on assets | -0.9293% | 6,869 |
| Return on Equity (ROE) | -9.9792% | 6,940 |
| Retained earnings to average equity (ytd only) | -9.9792% | 6,881 |
| Net charge-offs to loans | 1.7842% | 790 |
| Credit loss provision to net charge-offs | 2.6064% | 5,316 |
| Earnings coverage of net charge-offs (x) | -1.1764% | 5,656 |
| Efficiency ratio | 142.6591% | 185 |
| Assets per employee ($millions) | 4.4505% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 5,387 |
| Loan loss allowance to noncurrent loans | 60.6975% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 2.1011% | 3,103 |
| Noncurrent loans to loans | 2.0353% | 3,435 |
| Net loans and leases to total assets | 50.5922% | 5,742 |
| Net loans and leases to deposits | 66.4093% | 4,938 |
| Net loans and leases to core deposits | 69.0810% | 5,176 |
| Total domestic deposits to total assets | 76.1824% | 6,571 |
| Equity capital to assets | 9.2897% | 5,155 |
| Core capital (leverage) ratio | 9.2703% | 4,291 |
| Tier 1 risk-based capital ratio | 20.5382% | 1,509 |
| Total risk-based capital ratio | 21.7904% | 1,481 |
| Memoranda: | ||
| Average total assets | $249,443,330 | 2,555 |
| Average earning assets | $219,733,670 | 2,649 |
| Average equity | $23,228,330 | 2,741 |
| Average total loans | $129,019,670 | 3,054 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7946% | 6,958 |
| Cost of funding earning assets | 1.1338% | 3,276 |
| Net interest margin | 2.6608% | 7,061 |
| Noninterest income to average assets | 0.3082% | 5,461 |
| Noninterest expense to average assets | 2.2671% | 6,264 |
| Loan and lease loss provision to assets | 0.0477% | 5,406 |
| Net operating income to assets | 0.3908% | 4,993 |
| Return on assets (ROA) | 0.3908% | 5,081 |
| Pretax return on assets | 0.3908% | 5,368 |
| Return on Equity (ROE) | 4.1921% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.1921% | 3,648 |
| Net charge-offs to loans | 0.0917% | 4,023 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 9.2000% | 1,747 |
| Efficiency ratio | 83.7933% | 1,981 |
| Assets per employee ($millions) | 4.3647% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 5,707 |
| Loan loss allowance to noncurrent loans | 51.7195% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 2.5131% | 2,722 |
| Noncurrent loans to loans | 2.2864% | 3,211 |
| Net loans and leases to total assets | 51.1331% | 5,699 |
| Net loans and leases to deposits | 66.3162% | 4,926 |
| Net loans and leases to core deposits | 69.3278% | 5,127 |
| Total domestic deposits to total assets | 77.1050% | 6,518 |
| Equity capital to assets | 9.2866% | 4,752 |
| Core capital (leverage) ratio | 9.4798% | 3,845 |
| Tier 1 risk-based capital ratio | 20.9561% | 1,406 |
| Total risk-based capital ratio | 22.2071% | 1,382 |
| Memoranda: | ||
| Average total assets | $251,776,500 | 2,553 |
| Average earning assets | $226,848,500 | 2,587 |
| Average equity | $23,473,000 | 2,692 |
| Average total loans | $130,836,000 | 3,051 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 6,689 |
| Cost of funding earning assets | 1.4152% | 3,163 |
| Net interest margin | 2.9418% | 6,834 |
| Noninterest income to average assets | 0.2413% | 6,075 |
| Noninterest expense to average assets | 2.6144% | 5,356 |
| Loan and lease loss provision to assets | 0.1513% | 5,686 |
| Net operating income to assets | 0.1155% | 5,549 |
| Return on assets (ROA) | 0.6127% | 3,783 |
| Pretax return on assets | 0.6127% | 4,278 |
| Return on Equity (ROE) | 6.4939% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.4939% | 1,556 |
| Net charge-offs to loans | 1.2969% | 1,720 |
| Credit loss provision to net charge-offs | 22.7681% | 6,544 |
| Earnings coverage of net charge-offs (x) | 0.4014% | 5,706 |
| Efficiency ratio | 90.7420% | 1,262 |
| Assets per employee ($millions) | 4.4715% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 5,588 |
| Loan loss allowance to noncurrent loans | 47.5883% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 2.6449% | 2,630 |
| Noncurrent loans to loans | 2.4908% | 3,031 |
| Net loans and leases to total assets | 51.5691% | 5,980 |
| Net loans and leases to deposits | 64.8207% | 5,533 |
| Net loans and leases to core deposits | 67.8714% | 5,671 |
| Total domestic deposits to total assets | 79.5565% | 5,952 |
| Equity capital to assets | 9.3597% | 4,602 |
| Core capital (leverage) ratio | 9.4964% | 3,712 |
| Tier 1 risk-based capital ratio | 20.8027% | 1,345 |
| Total risk-based capital ratio | 22.0539% | 1,328 |
| Memoranda: | ||
| Average total assets | $251,190,000 | 2,535 |
| Average earning assets | $225,404,200 | 2,564 |
| Average equity | $23,699,000 | 2,681 |
| Average total loans | $128,691,200 | 3,150 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 6,670 |
| Cost of funding earning assets | 1.4812% | 3,078 |
| Net interest margin | 2.9885% | 6,859 |
| Noninterest income to average assets | 0.2249% | 6,293 |
| Noninterest expense to average assets | 2.6614% | 5,054 |
| Loan and lease loss provision to assets | 0.2106% | 4,962 |
| Net operating income to assets | 0.0302% | 5,931 |
| Return on assets (ROA) | 0.5240% | 4,384 |
| Pretax return on assets | 0.5240% | 4,841 |
| Return on Equity (ROE) | 5.5431% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.5431% | 2,627 |
| Net charge-offs to loans | 1.5892% | 1,244 |
| Credit loss provision to net charge-offs | 25.9817% | 6,195 |
| Earnings coverage of net charge-offs (x) | 0.2971% | 5,732 |
| Efficiency ratio | 91.7032% | 1,152 |
| Assets per employee ($millions) | 4.5516% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 4,043 |
| Loan loss allowance to noncurrent loans | 37.4570% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 3.3866% | 2,103 |
| Noncurrent loans to loans | 3.9582% | 1,902 |
| Net loans and leases to total assets | 48.3061% | 6,491 |
| Net loans and leases to deposits | 58.9723% | 6,382 |
| Net loans and leases to core deposits | 64.9027% | 6,218 |
| Total domestic deposits to total assets | 81.9133% | 5,030 |
| Equity capital to assets | 9.4622% | 4,903 |
| Core capital (leverage) ratio | 9.1868% | 4,391 |
| Tier 1 risk-based capital ratio | 20.3810% | 1,466 |
| Total risk-based capital ratio | 21.6331% | 1,443 |
| Memoranda: | ||
| Average total assets | $251,387,000 | 2,567 |
| Average earning assets | $225,216,250 | 2,600 |
| Average equity | $23,764,500 | 2,723 |
| Average total loans | $128,194,250 | 3,201 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 6,686 |
| Cost of funding earning assets | 1.5145% | 3,177 |
| Net interest margin | 2.9961% | 6,830 |
| Noninterest income to average assets | 0.1942% | 6,511 |
| Noninterest expense to average assets | 2.3060% | 6,337 |
| Loan and lease loss provision to assets | 0.0807% | 6,126 |
| Net operating income to assets | 0.5068% | 4,296 |
| Return on assets (ROA) | 0.8800% | 2,754 |
| Pretax return on assets | 0.8800% | 3,580 |
| Return on Equity (ROE) | 9.3121% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.3121% | 1,006 |
| Net charge-offs to loans | 2.2620% | 792 |
| Credit loss provision to net charge-offs | 6.9083% | 5,974 |
| Earnings coverage of net charge-offs (x) | 0.5027% | 5,225 |
| Efficiency ratio | 79.6961% | 2,478 |
| Assets per employee ($millions) | 4.5096% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 4,797 |
| Loan loss allowance to noncurrent loans | 36.3045% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 2.8855% | 2,493 |
| Noncurrent loans to loans | 3.6434% | 2,164 |
| Net loans and leases to total assets | 49.4516% | 6,495 |
| Net loans and leases to deposits | 60.6901% | 6,341 |
| Net loans and leases to core deposits | 64.3624% | 6,372 |
| Total domestic deposits to total assets | 81.4821% | 5,205 |
| Equity capital to assets | 9.7482% | 4,341 |
| Core capital (leverage) ratio | 9.3409% | 4,056 |
| Tier 1 risk-based capital ratio | 20.6632% | 1,397 |
| Total risk-based capital ratio | 21.9152% | 1,368 |
| Memoranda: | ||
| Average total assets | $250,219,670 | 2,597 |
| Average earning assets | $225,424,670 | 2,620 |
| Average equity | $23,646,670 | 2,729 |
| Average total loans | $129,265,670 | 3,210 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 6,562 |
| Cost of funding earning assets | 1.5865% | 3,038 |
| Net interest margin | 3.0134% | 6,801 |
| Noninterest income to average assets | 0.1799% | 6,668 |
| Noninterest expense to average assets | 2.2629% | 6,506 |
| Loan and lease loss provision to assets | 0.0642% | 5,996 |
| Net operating income to assets | 0.5525% | 4,129 |
| Return on assets (ROA) | 0.7741% | 3,195 |
| Pretax return on assets | 0.7741% | 3,975 |
| Return on Equity (ROE) | 8.3243% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.3243% | 1,582 |
| Net charge-offs to loans | 0.0459% | 4,955 |
| Credit loss provision to net charge-offs | 266.6667% | 1,478 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 979 |
| Efficiency ratio | 78.5834% | 2,795 |
| Assets per employee ($millions) | 4.4958% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3415% | 1,514 |
| Loan loss allowance to noncurrent loans | 68.5177% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 2.9175% | 2,457 |
| Noncurrent loans to loans | 3.4174% | 2,331 |
| Net loans and leases to total assets | 51.6130% | 6,309 |
| Net loans and leases to deposits | 64.5810% | 5,990 |
| Net loans and leases to core deposits | 64.5810% | 6,414 |
| Total domestic deposits to total assets | 79.9198% | 5,805 |
| Equity capital to assets | 9.5285% | 4,489 |
| Core capital (leverage) ratio | 9.2618% | 4,113 |
| Tier 1 risk-based capital ratio | 20.0422% | 1,513 |
| Total risk-based capital ratio | 21.3098% | 1,485 |
| Memoranda: | ||
| Average total assets | $249,059,500 | 2,664 |
| Average earning assets | $223,135,000 | 2,696 |
| Average equity | $23,161,000 | 2,810 |
| Average total loans | $130,619,000 | 3,249 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7816% | 6,988 |
| Cost of funding earning assets | 1.9186% | 3,359 |
| Net interest margin | 2.8630% | 6,935 |
| Noninterest income to average assets | 0.3444% | 5,626 |
| Noninterest expense to average assets | 2.4115% | 6,432 |
| Loan and lease loss provision to assets | 1.2052% | 1,912 |
| Net operating income to assets | -0.9801% | 6,564 |
| Return on assets (ROA) | -0.9735% | 6,562 |
| Pretax return on assets | -0.6587% | 6,146 |
| Return on Equity (ROE) | -9.1934% | 6,555 |
| Retained earnings to average equity (ytd only) | -9.1934% | 6,451 |
| Net charge-offs to loans | 2.0025% | 1,229 |
| Credit loss provision to net charge-offs | 110.4466% | 4,983 |
| Earnings coverage of net charge-offs (x) | 0.4947% | 5,614 |
| Efficiency ratio | 81.7100% | 2,645 |
| Assets per employee ($millions) | 4.5609% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3247% | 1,441 |
| Loan loss allowance to noncurrent loans | 61.1772% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 3.0811% | 2,254 |
| Noncurrent loans to loans | 3.7999% | 1,967 |
| Net loans and leases to total assets | 50.8352% | 6,547 |
| Net loans and leases to deposits | 64.8699% | 6,173 |
| Net loans and leases to core deposits | 82.0012% | 5,907 |
| Total domestic deposits to total assets | 78.3648% | 6,154 |
| Equity capital to assets | 9.0735% | 5,021 |
| Core capital (leverage) ratio | 8.9169% | 4,568 |
| Tier 1 risk-based capital ratio | 18.7623% | 1,708 |
| Total risk-based capital ratio | 20.0284% | 1,664 |
| Memoranda: | ||
| Average total assets | $242,127,200 | 2,696 |
| Average earning assets | $220,470,600 | 2,702 |
| Average equity | $25,638,000 | 2,553 |
| Average total loans | $131,934,600 | 3,231 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 7,088 |
| Cost of funding earning assets | 1.9887% | 3,419 |
| Net interest margin | 2.8267% | 7,008 |
| Noninterest income to average assets | 0.3579% | 5,633 |
| Noninterest expense to average assets | 2.4127% | 6,379 |
| Loan and lease loss provision to assets | 0.1367% | 5,988 |
| Net operating income to assets | 0.2743% | 4,884 |
| Return on assets (ROA) | 0.4112% | 4,454 |
| Pretax return on assets | 0.5934% | 4,201 |
| Return on Equity (ROE) | 3.7433% | 4,473 |
| Retained earnings to average equity (ytd only) | 3.7433% | 3,195 |
| Net charge-offs to loans | 1.1662% | 1,738 |
| Credit loss provision to net charge-offs | 21.2619% | 6,561 |
| Earnings coverage of net charge-offs (x) | 0.8271% | 5,226 |
| Efficiency ratio | 81.9400% | 2,586 |
| Assets per employee ($millions) | 4.3970% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 3,996 |
| Loan loss allowance to noncurrent loans | 33.8152% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 3.6528% | 1,795 |
| Noncurrent loans to loans | 4.1161% | 1,775 |
| Net loans and leases to total assets | 55.1401% | 6,251 |
| Net loans and leases to deposits | 71.4010% | 5,751 |
| Net loans and leases to core deposits | 85.8528% | 5,878 |
| Total domestic deposits to total assets | 77.2260% | 6,283 |
| Equity capital to assets | 11.2872% | 2,759 |
| Core capital (leverage) ratio | 10.8013% | 2,561 |
| Tier 1 risk-based capital ratio | 22.0092% | 1,225 |
| Total risk-based capital ratio | 23.2266% | 1,208 |
| Memoranda: | ||
| Average total assets | $239,946,500 | 2,735 |
| Average earning assets | $219,564,250 | 2,729 |
| Average equity | $26,357,250 | 2,521 |
| Average total loans | $132,279,500 | 3,258 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 7,093 |
| Cost of funding earning assets | 2.0931% | 3,305 |
| Net interest margin | 2.7793% | 7,052 |
| Noninterest income to average assets | 0.3854% | 5,418 |
| Noninterest expense to average assets | 2.4312% | 6,367 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3347% | 4,741 |
| Return on assets (ROA) | 0.5067% | 4,184 |
| Pretax return on assets | 0.7542% | 3,820 |
| Return on Equity (ROE) | 4.6548% | 4,230 |
| Retained earnings to average equity (ytd only) | 4.6548% | 2,710 |
| Net charge-offs to loans | 0.5465% | 2,688 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.6593% | 4,299 |
| Efficiency ratio | 83.0119% | 2,602 |
| Assets per employee ($millions) | 4.2188% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,091 |
| Loan loss allowance to noncurrent loans | 77.1456% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 2.4244% | 2,664 |
| Noncurrent loans to loans | 2.3140% | 3,123 |
| Net loans and leases to total assets | 54.2935% | 6,410 |
| Net loans and leases to deposits | 73.1489% | 5,589 |
| Net loans and leases to core deposits | 88.0626% | 5,715 |
| Total domestic deposits to total assets | 74.2233% | 6,922 |
| Equity capital to assets | 10.9016% | 3,015 |
| Core capital (leverage) ratio | 10.5762% | 2,746 |
| Tier 1 risk-based capital ratio | 21.8957% | 1,270 |
| Total risk-based capital ratio | 23.0101% | 1,260 |
| Memoranda: | ||
| Average total assets | $240,783,000 | 2,743 |
| Average earning assets | $220,340,330 | 2,740 |
| Average equity | $26,209,670 | 2,543 |
| Average total loans | $132,115,670 | 3,300 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 7,116 |
| Cost of funding earning assets | 2.1813% | 3,261 |
| Net interest margin | 2.7429% | 7,109 |
| Noninterest income to average assets | 0.3835% | 5,352 |
| Noninterest expense to average assets | 2.3691% | 6,300 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3445% | 5,092 |
| Return on assets (ROA) | 0.6790% | 3,850 |
| Pretax return on assets | 1.0509% | 3,172 |
| Return on Equity (ROE) | 6.2426% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.2426% | 2,531 |
| Net charge-offs to loans | 0.4313% | 2,380 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.2746% | 3,599 |
| Efficiency ratio | 81.5429% | 2,602 |
| Assets per employee ($millions) | 4.0309% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 1,554 |
| Loan loss allowance to noncurrent loans | 47.0417% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 2.3169% | 2,483 |
| Noncurrent loans to loans | 4.1069% | 1,456 |
| Net loans and leases to total assets | 55.3241% | 6,328 |
| Net loans and leases to deposits | 73.7467% | 5,511 |
| Net loans and leases to core deposits | 89.0306% | 5,644 |
| Total domestic deposits to total assets | 75.0191% | 6,714 |
| Equity capital to assets | 11.0919% | 2,892 |
| Core capital (leverage) ratio | 10.6368% | 2,801 |
| Tier 1 risk-based capital ratio | 21.4895% | 1,370 |
| Total risk-based capital ratio | 22.6073% | 1,360 |
| Memoranda: | ||
| Average total assets | $240,940,000 | 2,758 |
| Average earning assets | $221,519,000 | 2,741 |
| Average equity | $26,207,000 | 2,555 |
| Average total loans | $131,707,500 | 3,331 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2897% | 7,608 |
| Cost of funding earning assets | 2.6249% | 3,560 |
| Net interest margin | 2.6648% | 7,553 |
| Noninterest income to average assets | 0.2047% | 6,978 |
| Noninterest expense to average assets | 2.2673% | 6,793 |
| Loan and lease loss provision to assets | 1.7348% | 743 |
| Net operating income to assets | -0.8093% | 7,141 |
| Return on assets (ROA) | -0.8049% | 7,040 |
| Pretax return on assets | -1.3578% | 7,190 |
| Return on Equity (ROE) | -7.3673% | 7,078 |
| Retained earnings to average equity (ytd only) | -17.2687% | 7,580 |
| Net charge-offs to loans | 2.3423% | 439 |
| Credit loss provision to net charge-offs | 138.1180% | 3,853 |
| Earnings coverage of net charge-offs (x) | 0.2947% | 6,057 |
| Efficiency ratio | 85.9638% | 1,853 |
| Assets per employee ($millions) | 4.2079% | 3,103 |
| Cash dividends to net income (ytd only)* | -134.3952% | 8,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1153% | 1,052 |
| Loan loss allowance to noncurrent loans | 68.4184% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.6373% | 2,973 |
| Noncurrent loans to loans | 3.0917% | 1,725 |
| Net loans and leases to total assets | 51.8385% | 6,856 |
| Net loans and leases to deposits | 68.6993% | 6,395 |
| Net loans and leases to core deposits | 82.4810% | 6,416 |
| Total domestic deposits to total assets | 75.4571% | 6,351 |
| Equity capital to assets | 10.6675% | 3,322 |
| Core capital (leverage) ratio | 10.1973% | 3,273 |
| Tier 1 risk-based capital ratio | 21.3902% | 1,409 |
| Total risk-based capital ratio | 22.5075% | 1,389 |
| Memoranda: | ||
| Average total assets | $249,596,800 | 2,568 |
| Average earning assets | $227,859,200 | 2,568 |
| Average equity | $27,269,000 | 2,457 |
| Average total loans | $133,845,600 | 3,201 |